Stanford Federal Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	HOW THEY COMPARE
2.63%	3-year CD	2.85% - Synchrony Bank 36 Month CD
2.53%	2-year CD	1.57% - National Average
2.53%	2-year IRA	1.56% - National Average

View all Stanford Federal Credit Union rates »

Overview / Commentary

www.sfcu.org

888-723-7328

1860 Embarcadero Rd
Palo Alto, CA 94303-3335

Stanford Federal Credit Union is headquartered in Palo Alto and is the 19^th largest credit union in the state of California. It is also the 95^th largest credit union in the nation. It was established in 1959 and as of September of 2018, it had grown to 182 employees and 67,123 members at 5 locations. Stanford Federal Credit Union's CD rates are 3X the national average, and it boasts an A+ health rating.

Field of Membership Restrictions

Membership in Stanford Federal Credit Union is open to anyone through membership in the Friends of Palo Alto Library or the Museum of American Heritage (membership paid through the credit union). Membership is also open to the following: (1) faculty, students and alumni of Stanford University; (2) employees of Sun Microsystems, City of Palo Alto, Facebook and over 200 area Select Employer Groups.
See current membership details

Excellent local credit union for Stanford-affiliated individuals

Posted by: aychen24 | Oct 14, 2016

Stanford Federal Credit Union (SFCU) has generally exceeded my expectations. I have a checking account there and they do not charge a fee for such accounts, nor do they have monetary minimums below which they will charge a fee. Additionally, they have excellent customer service. In the past when I have had my debit card number compromised, they were very helpful both in accurately spotting the fraud and in giving me a new card very quickly. Additionally, use of ATMs with my credit union debit card is fairly easy, since any major credit union ATM works. I have also deposited money in their CDs before and they usually offer above-market rate interest returns and are very easy to sign up for and to know when the CD time period has expired.

Comment

1

Poor Customer Service, Harsh Early Withdrawal Penalty

Posted by: Lookin | Aug 29, 2012

You'd think a credit union located on campus at Stanford would be great. But no. Calls go into voicemail, email contacts are generic addresses and you can never seem to get the same person twice. Staff is frumpy and don't seem to care. If their app fails, they just shrug it off - try it tomorrow. Early withdrawal penalty for CDs over $100K is 365 days interest - worst I've seen. A good CD jumbo rate of 2.1% if your paycheck is deposited there (as of summer 2012). Campus office is rather busy, so Stanford students and staff are using this credit union, but I don't know why.

6

Health

A+

Data as of Q3 2018

Learn why bank health matters

Health Grade Components

Overall
NCUA #	13392
Year Chartered	1959
Employees	182
Primary Regulator

Profit Margin
Return on Assets - YTD	1.3%
Return on Equity - YTD	13.41%
Annual Interest Income	$61.9MM

Assets and Liabilities
Assets	Q3 2018vs Q3 2017	$2.52B$2.27B
Loans	Q3 2018vs Q3 2017	$1.91B$1.50B
Deposits	Q3 2018vs Q3 2017	$1.97B$1.88B
Equity Capital	Q3 2018vs Q3 2017	$242.9MM$215.6MM
Loan Loss Allowance	Q3 2018vs Q3 2017	$11.4MM$9.2MM
Unbacked Noncurrent Loans	Q3 2018vs Q3 2017	$1.1MM$628.00K
Real Estate Owned	Q3 2018vs Q3 2017	$0$0

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